Thatch Roof Insurance
Protect and Secure Your Home
Overview
With only 1 in 25,000 homes in the UK having a thatched roofed home, it’s fair to say that thatched homes are not the norm. Unfortunately, this can make thatched property insurance difficult to find.
Conventional insurers tend to shy away from homes that don’t fit the norm or easily tick all the boxes. At Brown & Brown, we specialise in things that are different. Our specialised and knowledgeable thatched roof insurance team love helping to find excellent levels of personal thatched home insurance cover for your thatched home.
Our Thatched Cottage Insurance can include:
- Our own thatched house insurance scheme with an A-rated leading UK thatch insurer
- Assistance with chimney and fire assessment survey within some of the specialist policies to cover these vital checks
- Help with finding you an approved electrician
- Additional discounts based on:
- Chimney type and use
- If you have fire retardant thatch
- Type of fire alarm/fire protection
Request a Quote
We Get To Know You And Your Individual Thatch Insurance Needs
We can help find a solution for you, whether it’s your main home, second or holiday home, holiday let, B&B, AirB&B, long term let or unoccupied property. Our team’s combination of experience and market knowledge allows us to offer you comprehensive access to a broad range of products from our thatched cottage insurance specialists. We take the time to get to understand the specific details of your home. This allows us to provide you with personalised thatched roof insurance, such as the fuel you burn and, of course, details about your thatched roof.
We Offer A Fully Funded Chimney Survey and Fire Risk Assessment
As a specialist thatched property insurance provider, we offer our own thatch insurance scheme. Some of our specialist policies can offer assistance with chimney and fire assessment surveys. In turn, this enables us to tailor your thatched roof insurance to the unique risks your property may face, giving you peace of mind that you have cover that suits your needs.
Why Is It Important That I Have Specialist Thatched House Insurance?
Just like any homeowner, you want to be financially protected if an unexpected event occurs. With a thatched roof, however, the risks of fire damage and general roof decay are much higher. This means these properties require more manual labour to ensure their upkeep, which a specialist house insurance policy can cover, in the event of damage to your thatched property.
Don’t Let This Put You Off!
The extra maintenance for a thatched roof is worthwhile. Not only does it contribute to the traditional and historical aesthetic of your home, but it is also a fantastic sound proofer and insulator! Thatched roof house insurance doesn’t have to be complicated. Speak to our knowledgeable specialist team and we will find you a policy that factors in your home and lifestyle.
A Personal Claims Service You Can Rely On
Try as we might to avoid them, accidents can happen. Fortunately, our in-house UK based thatched property insurance claims team is here to help with your thatched property insurance claims when you need us the most. We’ll give you all the reassurance and specialised support when you need it.
For a personal insurance service with all the thatch insurance protection, you need to ensure that you get the cover that best suits you, nothing more, nothing less.
Typically Covered
- Property Damage including Buildings & trustees contents insurance
- Business interruption
- Equipment breakdown insurance (including cover for lifts, boilers, and air conditioning systems)
- Public and employers’ liability insurance
- Reputational Risks
- Trustees’ and management liability
- Legal expenses
- Fidelity guarantee cover
- Residents’ temporary accommodation
Not Typically Covered
- Existing and Deliberate Damage Exclusion
- General Wear and Tear
- Loss of Value
- Indirect Loss or Damage
- Defective Design or Construction Exclusion
- Financial Sanctions
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
What is a Thatch Roof Insurance Survey?
How to Reduce the Risks of a Thatch Fire this Winter
What to Look for in a Thatched House Insurance Policy
What Should You Consider When Buying A Thatched Property
Why Should I Use A Thatch Insurance Specialist
How Much Does It Cost To Insure A Thatched Roof?
Due to the materials used in thatch roofs, thatched properties are much more prone to fire damage.
Thatched roofs can also be significantly more expensive to repair or replace. They require expert knowledge and specialist materials.
Your Questions, Answered
To maintain a thatched roof, you need to make sure that you allow it to dry well by removing leaves and plants that get caught in it. This allows rain to disperse and the sun to dry it thoroughly. You will also need to have regular surveys from a thatched roof specialist.
Thatched roof maintenance will be a major part of your thatched property insurance policy. You will need to show that you properly maintain your roof, as insurers will require this as a condition of the insurance policy being taken out. If you are ever unsure of how to maintain your thatch roof, or if it needs some work, you can always get in touch with a professional who will assess it.
Thatched roofs are more expensive to insure than standard properties because they present a higher fire risk.
By talking to a specialist thatch broker like Brown & Brown, you can ensure that your policy covers everything you require. We are always happy to discuss your thatch insurance policy and work out ways to find a solution that suits you. We can also advise on other elements of your policy, including chimney surveys and fire risk assessments.
You will need a home and contents insurance policy for your thatched property.
Buildings insurance can be complex if you have a non-standard construction property. That’s why we always recommend speaking to a specialist insurance broker, to make sure that you are not under or over insured.
Buying a thatched property is a great idea if you want a more traditional looking home and enjoy being in the countryside. As with any house purchase, you need to consider lots of factors, including house insurance and home maintenance.
Thatched property insurance will make this decision easier because you can enjoy your home with peace of mind and provide more information on how to maintain your property. If you ever have questions about thatch insurance, or what is required to get a good policy, feel free to get in touch with us.
You need to have specialist house insurance in place for thatched properties because it is at higher risk of fire damage.
A specialist broker will be able to talk you through your thatch insurance needs, they will get to know you and your property so that they can help to find the most appropriate insurance product for you. Thatched properties need extra care because they are rarer and at greater risk of damage from weather conditions and other external factors.
The average cost of thatched cottage insurance could be three to four times higher, or more, than a home with a tiled roof because it has more risks. This is also due to limited insurance markets for the customer.
The cost of your policy varies from home to home and the age and fire safety precautions in the home can impact the cost of your policy. Make sure that you go through this with your insurance broker, because it will give them a better picture of exactly what you need, when putting together your hatched roof house insurance policy.
A thatched roof comes with multiple expenses, including maintenance and specialist thatched roof house insurance.
The cost of thatched house insurance and maintenance of your roof varies between locations and between homes. Each thatched property is unique, which is why we take the time to understand your thatched property’s needs at Brown & Brown.
A good thatched property insurance comes from specialist insurance brokers, who can ensure that your policy covers the unique features of your home.
There is no one answer to thatch insurance policies because each home is unique. You can find an insurance policy that suits your unique needs by contacting Brown & Brown and speaking to our team of specialists, who will happily talk through the process with you.
The requirements for thatched roof insurance include sweeping the chimney annually or potentially twice a year, especially during the winter months. In addition, keeping two fire extinguishers in the home and an inspection by a thatcher within the last 10 years.
Not only do these requirements help to keep you safe, but they also they be done as your insurance policy will be conditional. To find out more about the requirements for thatch insurance, give us a call.
To run a thatched roof pub, you will need various commercial insurance covers, but also a specialist thatched property insurance.
Running a business is complex and you want to make sure you are protected from all eventualities. If you own a pub, it is particularly important to have public liability and business property insurance. If your pub also has a thatched roof, you will need to take extra precautions to keep yourself and your customers safe. Speak to our business insurance team to get a quote that protects you.
You should always use a thatch insurance specialist when looking for a policy because it is a niche market, and a specialist broker will make sure your policy is bespoke and comprehensive.
We have a team that is dedicated to thatched property insurance, who strive to help you find cover that meets your needs. We will help through the whole process, from finding a comprehensive policy to aftercare after you have signed on the dotted line.
You can get your thatched house insurance from Brown & Brown. We have a specialist team that will take the time to understand your needs and help to find an insurer that offers a comprehensive policy.
If you have any questions about thatched house insurance, call our team on 01458 270324 or click the call back button for a quote today. For specialist thatch insurance, let’s talk 01458 772781.